Assistant Vice President - Segmented Programs

About Us

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.

SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.

Join us to shape the future of digital payment in India and unlock your full potential.

What’s in it for YOU

1. SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
3. Dynamic, Inclusive and Diverse team culture 
4. Gender Neutral Policy
5. Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
6. Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose 

Responsible for ensuring delivery on Retail spends, Actives rate, spends per card target for the Portfolio.

Role Accountability 

1. Plan and execute segmented, targeted and hyper personalized programs based on usage, activity and other portfolio cuts to achieve spends and engagement targets
2. Track revolver transactor behavior with an aim to grow revolvers and non- term interest income for the portfolio.
3. Analyze customer spend data across different categories of spends, such as POS, online, contactless etc. to drive usage further
4. Drive higher UPI penetration on Rupay card portfolio and drive UPI spends through segmented programs
5. Conduct regular competitor analysis, identify and implement new services or enhance existing services to drive spends, and offer customer centric offerings features for all card products. 
6. Drive spends initiatives for selected mass portfolio seasonal and ongoing based on analytical support through BTL ATL marketing
7. Propose and implement strategies to change customer behavior while driving usage
8. Perform process documentation and compliance adherence

Measures of Success 

1. Spends, Spends / Account, Actives Rate
2. Asset Revolve Rate
3. Creation of Spend properties to leverage various spend occasions
4. Tracking of portfolio spends basis spend category, Vintage, Sourcing Channel & spends behavior
5. Process adherence as per MOU

Technical Skills / Experience / Certifications

1. Spends category understanding
2. Good knowledge on Consumer and Competition behavior and Credit Card Market Dynamics
3. Prior knowledge of segmentation, analytics, A/B Testing preferable

Competencies critical to the role

1. Analytical Ability
2. Strategic Orientation
3. Result Orientation
4. Innovation & Problem Solving

Qualification 

MBA /PGDBM

Preferred Industry

Segmented, BTL programs preferably in cards or other sectors like Telecom, Retail etc.